At the time of writing, we conclude that the FCA review is wholly biased against affected businesses and that it has become what can be best described as a firewall to protect the banks from unmanageable claims. The scheme was in effect negotiated by the banks in collusion with FCA and the Cabinet. Who represented affected businesses?

It might be the case that it was fortunate for those of us with embedded swaps to have been excluded from the FCA review. At least there is a chance of a new review which works for affected businesses and not the bankers.